Bart- Unfortuantly there is a loop hole to having to have insurance to registar a veh. There are some insurance companies that offer the very basic insurance for cheap. Those working the system can go purchase insurance, pay the initial sign up fee and one month of ins, registar a vehicle within that month and never pay insurance again. The insurance company drops them and they are suppose to notify the DMV but dont always.
As great as this ballot sounds, unfortuantly it only takes one time for someone to get caught with no insurance, and sometimes that one time is a major accident. As someone had said earlier, some of those people that are UM tend to be “scum” with nothing to lose. The insurance company can bill them for damages caused, but what are the odds they will actually pay? This leaves the insured motorist paying more in premiums to make up for the loss.
I bet Quackamendi is mad that he did not think of this. I am always for trying to figure out how to get the uninsured to buy insurance, but I have to agree with most of you. It will maybe start out with a bang and then fizzle. For one thing, if you were the highway patrol and polled over someone without insurance and maybe without a license, would you really want to kneel down in front of the car? Once the first illegal immigrant runs over an officer, then all hell will break loose.
We offer a non-owner policy that will provide coverage to satisfy the state. Ironic isn’t it, you are concerned about having insurance and you don’t own a car. A refreshing bit of responsibility.
but even still — ur company has the insurance to cover you. but u had to initially have had a license before u had gotten ur cdl. i used to have a cdl and drove otr for 7 yrs (5 of them as a driver-trainer) for 48 states and canada.
but someone made a good comment previously: folks will get the insur, reg the veh and don’t make that next pymnt on the insur. this is one of the bad things happening in most of our states.
the thing that we need to do is require those that do not want to keep the insur, is get an sr22 that is pd in full for 6 months. the other thing i noticed having written most states, we give credit for those driving w/o insurance better than those with curr insurance. why? don’t know! and yet, if they cause an accident – whom is losing money – not the insurance company — only the um cvg. it truly amazes me that society does not truly want to take on it’s own individual responsibility of their own actions.
If you carry an umbrella, with no underlying car insurance, then more than likely your umbrella has a vehicle exclusion attached. A Non-Owned Auto policy with the satisfactory underlying limits wiii remove the exclusion, as well as provide you umbrella protection on usage of your company car, should you exhaust your company’s liability limits. It wil also provide additional laibility protection should you rent a car, borrow a friend’s/relative’s car, or happen to drive a vehicle that may not have insurance coverage. We chose to de-certify ourselves from the Assigned Risk plan, solely because we didn’t want to be selling the low cost auto policy for the pidly income it generates when forced to gather up all the documentation to have it issued…..then cancel when the next payment is due.
Wonderful! To appease those who are going to push back. I believe someone needs to add in a reimbursement clause. If an agent or the states database has a “user” error which results in your car being ticketed and towed. A clear cut reimbursement process must be put in place. Cars may be unjustly towed and the driver will foot the bill. Driving is a privilege, no insurance — no driving. If this ever goes beyond a concept it would be another rare moment when drivers are held responsible for their actions, and my uninsured motorist premium should go down over time — what a concept
When California passed the original Financial Responsibility Law in 1948 lots of citizens then went out and bought basic coverage – but the incapable and the irresponsible did not – and won’t now
Protect yourself w/ all the UM/UIM you can buy and pass a “debtor’s prison” law for folks who create damages they can not or will not address and then you’ll have something.
And bring back appointed Commissioners who know the Industry – not the string of political opportunists we’ve had since the first garamendi term
I HOPE IT’S ENFORCED. THIS WILL HOPEFULLY REDUCE THE NUMBER OF IDIOTS ON THE ROAD. I STILL THINK PURCHASING UM/UIM IS A PRUDENT IDEA FOR ANYONE, ESPECIALLY HERE IN CALI WITH SUCH HIGH AMOUNTS OF UNINSURED (IDIOTIC) DRIVERS EVERYWHERE. AGAIN, IT’S RESPONSIBLE DRIVERS HAVING TO PAY MORE IN PREMIUM TO MAKE UP FOR THE IDIOTS ON THE ROAD THAT BOTHERS ME BUT I SUPPOSE THAT’S THE WAY THE WORLD IS. I’M GLAD TO SEE POIZNER IS REGULATING!!
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Bart- Unfortuantly there is a loop hole to having to have insurance to registar a veh. There are some insurance companies that offer the very basic insurance for cheap. Those working the system can go purchase insurance, pay the initial sign up fee and one month of ins, registar a vehicle within that month and never pay insurance again. The insurance company drops them and they are suppose to notify the DMV but dont always.
As great as this ballot sounds, unfortuantly it only takes one time for someone to get caught with no insurance, and sometimes that one time is a major accident. As someone had said earlier, some of those people that are UM tend to be “scum” with nothing to lose. The insurance company can bill them for damages caused, but what are the odds they will actually pay? This leaves the insured motorist paying more in premiums to make up for the loss.
I bet Quackamendi is mad that he did not think of this. I am always for trying to figure out how to get the uninsured to buy insurance, but I have to agree with most of you. It will maybe start out with a bang and then fizzle. For one thing, if you were the highway patrol and polled over someone without insurance and maybe without a license, would you really want to kneel down in front of the car? Once the first illegal immigrant runs over an officer, then all hell will break loose.
polled s/b pulled. God, I guess I need to go back and relearn 3rd grade spelling!
We offer a non-owner policy that will provide coverage to satisfy the state. Ironic isn’t it, you are concerned about having insurance and you don’t own a car. A refreshing bit of responsibility.
but even still — ur company has the insurance to cover you. but u had to initially have had a license before u had gotten ur cdl. i used to have a cdl and drove otr for 7 yrs (5 of them as a driver-trainer) for 48 states and canada.
but someone made a good comment previously: folks will get the insur, reg the veh and don’t make that next pymnt on the insur. this is one of the bad things happening in most of our states.
the thing that we need to do is require those that do not want to keep the insur, is get an sr22 that is pd in full for 6 months. the other thing i noticed having written most states, we give credit for those driving w/o insurance better than those with curr insurance. why? don’t know! and yet, if they cause an accident – whom is losing money – not the insurance company — only the um cvg. it truly amazes me that society does not truly want to take on it’s own individual responsibility of their own actions.
If you carry an umbrella, with no underlying car insurance, then more than likely your umbrella has a vehicle exclusion attached. A Non-Owned Auto policy with the satisfactory underlying limits wiii remove the exclusion, as well as provide you umbrella protection on usage of your company car, should you exhaust your company’s liability limits. It wil also provide additional laibility protection should you rent a car, borrow a friend’s/relative’s car, or happen to drive a vehicle that may not have insurance coverage. We chose to de-certify ourselves from the Assigned Risk plan, solely because we didn’t want to be selling the low cost auto policy for the pidly income it generates when forced to gather up all the documentation to have it issued…..then cancel when the next payment is due.
Wonderful! To appease those who are going to push back. I believe someone needs to add in a reimbursement clause. If an agent or the states database has a “user” error which results in your car being ticketed and towed. A clear cut reimbursement process must be put in place. Cars may be unjustly towed and the driver will foot the bill. Driving is a privilege, no insurance — no driving. If this ever goes beyond a concept it would be another rare moment when drivers are held responsible for their actions, and my uninsured motorist premium should go down over time — what a concept
Lowering your insurance rates, what a concept. Actually lowering your insurance rates, priceless!
You folks are all dreamers.
When California passed the original Financial Responsibility Law in 1948 lots of citizens then went out and bought basic coverage – but the incapable and the irresponsible did not – and won’t now
Protect yourself w/ all the UM/UIM you can buy and pass a “debtor’s prison” law for folks who create damages they can not or will not address and then you’ll have something.
And bring back appointed Commissioners who know the Industry – not the string of political opportunists we’ve had since the first garamendi term
I HOPE IT’S ENFORCED. THIS WILL HOPEFULLY REDUCE THE NUMBER OF IDIOTS ON THE ROAD. I STILL THINK PURCHASING UM/UIM IS A PRUDENT IDEA FOR ANYONE, ESPECIALLY HERE IN CALI WITH SUCH HIGH AMOUNTS OF UNINSURED (IDIOTIC) DRIVERS EVERYWHERE. AGAIN, IT’S RESPONSIBLE DRIVERS HAVING TO PAY MORE IN PREMIUM TO MAKE UP FOR THE IDIOTS ON THE ROAD THAT BOTHERS ME BUT I SUPPOSE THAT’S THE WAY THE WORLD IS. I’M GLAD TO SEE POIZNER IS REGULATING!!